It's about lifestyle. We are 2 adults with 12k monthly rent for 2BR house (not at the beach), 2k monthly electricity (no aircon), 200 Pesos water bill. Food is about 16k monthly for 2 adults. Your water bill is totally over the top, unless you operate a water park. 😂 Electricity is expensive. So, when you let the aircon run, then you get the skyrocketing costs. But especially directly on the beach actually one don't need much aircon.
The average Filipino monthly income is just $500.00, so you must be doing something right. $4,000 a month is about twice what most medical doctors make in the Philippines.
It is more of 1% of the 1%. He started with a humble life in the Province to a very luxurious life. My parents retired and stayed in Negros Oriental with only $900 a month. I've seen Mexico is way cheaper then.
I think the average person with a spouse can live in the Philippines in todays inflation for about $1,300 u.s dollars with a $200 to $300 rental. If you own your house then I would say about $1,000 to $1,100 a month.
Hi Tim, you need to check that water meter mate or get it replaced, there is no way you should be using that much, unless someone has tapped into your supply. Do a test and turn off everything in the house and then check the meter again to see if it is still spinning. If nothing found do a draw test and pull off a gallon or so and compare that to what the meter has calculated, you could have a faulty meter and not know it...or its been over clocked.
Thank you for sharing your monthly budget with us. It’s a no holds barred honest review that covers items we foreigners have not ever considered. It’s your budget Bro, so whatever you’re satisfied with is what it is. Our comments are mute, especially if we’re not living there and supporting a family. Stay safe and healthy.
I'm U.S. Army retired, and living in Mindanao for over a year now. I did not know PostScanMail was a thing. Thanks for that information and love your vlogs!
Some here like Ted LaSalvia and others are proud to mock us who made it on less than 1000 usd per month.Well, here I am! I lived on 720 usd since 2015, so I know how to live a simple life. Live according to what you have. In the Philippines I have a family with a boy soon to be 5, a house, 2 motorbikes, 1 boat, 1 beach property. I have 2 refs, 1 freezer, 1 aircon, 1 big comfortable bed, a large 52 inches Smart TV, hot water shower, a small pool etc. But it all came slowly, very slowly, step by step. You just go there and make the best of what you have.
That’s good. Living simple and within your means is what you need. I make about 150k per year… I way over budget and spent more than what I earn… so I end up saving none. Only good thing I invested in few properties so Atleast I have a little something. Also I always put away 10% of my earnings every two weeks via 401k so I don’t spend it lol
That's great and really cheap, as a fellow Norwegian I guess you are from your name I've been living in Philippines since 1998. As I'm living in a city my expenses are very different, we own a house with pool far from any mansion but about 240 m2 and a 600m2 lot. Have some family housemaids, a kid in school some dogs and pretty normal and a small car. Our budget is more than 3000 dollar a month included most, then holiday trips and other come on top so about 3500-4000 usd a month I guess.
No Ken, this is not. These figures are way above what would be considered a normal way of living in The Philippines. Like Killymagee said earlier, with 4 grant you are among the 1% that have like this kind of income, so it's a poor representation.
@@KenWiggerAnotherAncientGamer Does not take away the fact we still like Tim but I hope sincerely he keeps reality in check for people who want to live there in The Philippines, as expats. 🙂
Not sure if you'll see this, however I will say it's your family it's what you've establish for your needs and wants, who are we to argue your lifestyle when we're able to see that your family is taken care, you basically are able to enjoy things whenever you like! So that's fantastic!!! Best regards Tim Brian M.
Your Aircon is running24/7. How you can spend so much? My house at the lake 7k, 500php water, 5k electricity for 2 aircondition, 2k for 300mbps internet and cable TV. Food 25k for 5 people including buying food outside and once a week restaurant. Gasoline 2k per month. 400php Philhealth for my wife and kids and my health insurance for Expats 114usd. Total is around 50k (900+ USD) Update...private school for 2 kids 4k per month. 1000 USD all
Thanks for sharing your budget, it helps to see other expats expenses. Obviously Tim's budget is loaded with several things most people will not incur. Car payment, I would never finance a car, House keeper, not necessary for most, Water crazy high, Food seems high, Entertainment is certainly high, (400.USD) That's 3 trips a week to the Girlie Club budget,🤣), Pet food is high but I wouldn't personally skimp on that either. Also car insurance is high probably because of the loan. He doesn't mention health care? Car mainteance, home improvements, even though its a rental there will still be some. Cash given to relatives? I think Chrissys budget us twice what it should be, it would be nice to see actual expenses from that chunk. Tims US side is probably another 2k, probably more considering his ex Wife and first child live in Expensive CA. It will only get worse as the kids get older, etc. I actually think he's spending considerable more than 4k a month. The budget presented is like an overview and not a detailed house budget, but it was a good video for what it was. Regardless best of luck to him and to you Sir, and thanks again for your perspective. Cheers!
Solid video and much more realistic than the 1k to 2k bloggers looking for subscribers. I'm single and feel the sweet spot is 5k, that allows for decent lifestyle and no travel limitations. Nice work!
A good video. We just built a house in Cavite after living here for almost ten years in the Philippines. I support two daughters and my wife who is a Filipina and has not worked since we married back in Canada. Our house is not finished so we have put the past year into our 119 square meters of garden space outside so that my wife can begin growing her vegetables and her orchard. My wife is a farming girl so we purchased 100 young fruit trees for the orchard which she is putting into large, plastic bins. We just built the greenhouse for the hydroponics vegetables that she is putting into smaller bins, out of bamboo, the plastic covering, and green netting for the side-opening, we should have 70 small bins of veggies soon. My wife is just completing an accredited course put out by the Philippines government in hydroponics, her last lesson is next week, online. We have lived quite a frugal life here until we purchased this property a year ago, broke ground, and built a 3-bedroom home, concrete downstairs, bamboo siding and plywood walls upstairs with a large front balcony upstairs and a larger, concrete space upstairs at the back of the house. We spoil our two daughters, they have everything that they want but my wife and I exist very frugally ourselves. We put most of our money into the development and happiness of our two girls. We sold our family van to put doors and windows in the house last year, we are driving an e-bike vehicle now and taking public transportation for longer trips.
Congrats on the new house Patrick! I enjoyed reading your response, It was especially interesting to read how you and your wife are developing the land with fruit trees and vegetables. Can you tell me what type of fruit trees and vegetables you are cultivating? Do you have a well you use for supplying water or do you live near a water source? Best of luck mate!
reduce overall cost with , a garden - chickens - rainwater collection - solar panels - teach surfing - btw what size and shape board do you ride .... i'm a longboard guy and I make my own . 9`6" noserider
My wife, young son and I lived in San Juan, La Union (surf capitol of the north) for three years a few years back. We lived in a very nice furnished 2 bdrm apt with an ocean view. We frequently traveled around the Philippines as well as other SE Asian countries. We didn't have a car, only a 120cc motorcycle - public transportation makes it so easy to get around in the Philippines. We lived very well on an average of $1700 a month. $4000 seems way over the top. But like you say, "It is what it is." Take care and keep on surfing!!!
Our food budget for a family of four is 150 pesos a day (mostly instant noodles with malunggay leaves, canned sardines, dried fish, or eggs), our electric is free coz we have jumper connected to a power supply. Water is free coz we have our own poso(manual water pump), we have a free wifi Connection from our good neighbor. Free housing also because we are the caretaker of an old house whose the owner resides abroad. Our two kids go to public school, so it's free. More or less we spend only around 6,000 pesos or something like a 100 dollars a month, and we live a very simple life.
Tim is always and honest about living which is a huge help. Based on that I will say that strikes me as very high but it's ONLY me so mine would be less. Life and things in general have what I've always called a PRICE and a COST. You must be willing to deal with both. Tim does a great job doing this. Tim K thanks for the honesty.
@@larzhillbot1443 Right. Owning your own property and a small one at that really cuts down on expenses hugely. I have a studio condo owned outright in downtown Davao and I only pay property mgmt which equates to around $23/month and with it being small and efficient it is cheap for electricity. I have a motorcycle parking spot out of the sun and elements down in the basement parking and a fully paid off $6,000+ motorbike to get around the country cheaply and efficiently (I travel extensively on it through various adventure riding trips).
With 4k bucks any family can live easily basically anywhere in the world with the exception of very few countries (the US, Norway, Switzerland, and maybe a few more), let alone in the Philippines.
1 small drippy faucet will fill a tub over and over within a month. Fix your leaky toilets and watch your bill drop substantially. I learned that at a homeowners class. Thanks for the insight.
I think for a western man with a family that travels and helps others your budget seems fine. Once car paid off expenses drops alot. Yes you can save money eating rice and sardines but who wants to do that.
Very informative. Every other video on youtube is saying you can live on $1200/mo there or even less in the provinces, it's nice to get an actual realistic budget breakdown. Other than housing, costs are pretty much in line with state side.
sure, if you are a single guy with a scooter who sits in their house and does nothing... you can certainly live off of $1,200 a month. A family, reliable transportation and having a life of doing things requires $$.
We are a family, 2 adults and a kid, we would basically just bike to the beach or take the bus, but rarely go and do something fancy, would like to buy finished food from restaurant and rent a 3 room house with a garden, less than 6 km from beach on the Cebu island. We are very frugal, how much do you think we would spend? Sorry for very specific question, you don’t have to answer if you don’t want to 🌼 kind regards
I live in the U.S., my new house is paid off, I have no debt, and I live in the mountains on 10 acres with a million-dollar view. I snowboard in the winter and fish, hunt, and ride motorcycle in the summer on $1500 a month, and I do not consider myself rich. I guess I won't be moving to the Philippines anytime soon.
This kind of spending per month in Philippines is nothing short of shocking. Other than living in a beach house, $4000 budget/m can afford you a very good life in US.
@@TimKyoutube home purchasing wasn't part of the equation. I live fine on 2k/mo in the US PNW. I'll live on about that in Thailand in a few months. Bottomline, live within your means at a comfortable budget for you. Cheers
I can't begin to imagine how you are using nearly 300 m^3 of water a month, that's an unbelievable amount. Even 30 m^3 a month would sound very high to me.
That is a lot, but like you said, you take care of a lot of people. My USA budget is $3900, all inclusive. 3 bedroom/2 bath house, dog, horse, but single. However, even $4k in PH is still well within my max budget. Still can't wait to get there in 15 months when I retire at 61.
The median income to own a median priced home in USA is over $100,000. Like you most are already on the property wagon. If we came back, housing alone would kill us. 🤙
@@TimKyoutube I'm renting that 3bdrm/2bath, but sold my house last year for a nice profit. Yes, houses here are still stupid expensive, no way I'd buy one now. It's good to know each end of the budget spectrum. Best to you and yours.
@@TimKyoutube But this is a rental house Tim, you don't need $ 100,000. to rent a normal house, even in the US. You assume that the only way back to the US is by buying a piece of property and then live on it, forgoing the renting option. I live here in The Netherlands, also one of the most expensive countries in the world, still my rent is 460 dollars per month. So, far from impossible. 🙂
Thanks Tim . everything makes sense .When you bought the Jeep I thought OUCH ! But now you did good . If any money left get a good tutor for your son . The extra help now will pay in the future !
I have 2 houses 1 has a pool in Argao Cebu one is in Naga Cebu. My expenses is less then $2,000 per month yes everything I have is paid my houses and my car. I also paid for my stepsons college until he graduated last year. Your water and electricity is expensive. Thanks for sharing
First off, thanks Tim for showing a window into your life and making expenses public. Love the channel and the perspective you offer. Second, Tim does live an ultra luxury Americanized lifestyle in the Philippines. For comparison, I have a relative living in Leyte with a girlfriend and child about Dale's age for $1k/USD month. Of course, not oceanfront lodging or USA sized SUV. Just a modest 2br in the province, simple meals and public transportation. Probably more of a realistic comparison of what one might expect to spend transitioning from American middle class to a province life in the Philippines. To each their own, many Americans, two earners with a kid live in the USA on less than 4k a month.
My wife and I and our 2 grandsons that we have custody of live on $3000.00 a month. We do not have a mortgage or rent, our house and 2 acres are paid off. It took us 20 years to do that. We have a good well so no water bill. Electric has really hurt us, it went from $140-$150 to over $200.00 a month now due to rising costs from what I call the Biden experience. The place we work is less than 3 miles from our house so that helps with gasoline which is also gone out the roof due to the Biden experience. Food has gone through the roof as well, with smaller packages of food for more than it was before the pandemic. We also make too much money to get any government assistance. Land taxes on our 2 acres went from $200.00 a year to $500.00 a year now due to the Biden experience. Before the pandemic, we were actually doing well, now we have to cook all meals at home. No more eating out. I do hunt and fish when I get the time and wild game has been incorporated into our meals as well. If prices keep going up we are going to have some very tough times ahead of us. I am not sure if the economy can take 2 more years of what Biden has done to us.
Ha. That’s ridiculous. It’s all a matter of perspective. Plenty of people have much larger budgets than me. The house I used to live in is now $4,000/mo California.
Thank You as always for your informative videos with you and your beautiful family. They are greatly appreciated! Our family of three, my Filipina wife, 9 year old Fil/Am and I plan to fly out of Wisconsin, where we reside, next month to Barbaza, Antique. I have watched many of your very good videos and haven't felt too compelled to comment but this one did. I was struck by a couple things but mainly the comment "I am not willing to go less than $4K a month". Thats awesome you can say that. Many millions of hard-working folks in the US can't even say that. The other thing I was struck by is how great this made me feel with what we have here and how much we spend. Lol Respectfully though, if I may share our basic budget for 3 in Wisconsin USA. We own our 3 bed 1600sq home with a couple years of mortgage left. We do not smoke, drink alcohol, do drugs nor do we eat fast food so that helps massively. We all focus heavily on health as well but those are not really fixed expenses anyway as you show. Also, we do not live on the ocean but we do own two beautiful older cabin cruisers (1 29' I charter out and 1 25' for us only) kept in a dockage/slip from May to November, only 1 mile away on the Bay of Green Bay WI. I will add in the costs of those two boats (seasonal slip fee, insurance). House Mortage $434 (recent appraisal $110K), 3 years left to pay. Home owners insurance for the year which includes comprehensive on both boats $95 a month. Two vehicles, one older and one much newer with payments of $200 a month for 2 years at 1.9% interest. Both excellent shape. Insurance for both, including our mint Yamaha FJ1000 crotch rocket, $75 a month. Our average water is $80 a month and we have a small pool out back, a hot tub and 2 girls that bath far too much. :) Our heat and electric average about $150 a month throughout the year. Property taxes are about $80 a month. Food, and we eat like a King and Queens (I am a Holistic Health Coach for 20 years) about $450 per month. Phone and computer (we have magicjack, a flip phone and 1 smart phone) $89 a month. Life Insurance. I'm 56 (40 year old policy), wife 42, about $90 a month. Entertainment....tons of outdoors stuff that is free of charge by and large but for fuel, $150 though we take one fairly large vacation/trip a year like Florida, Colorado, this January Philippines. Other expenses kinda go down the same path. The total for us is about $2500 a month+/- including fuel for the boats, cycle, etc and we set aside several hundred a month in investments. As they say, especially in marriage, there are two things that destroy relationships and they are money and sex...or the lack of loving intimate orgasmic sex for both. Yes, my wife and I live very frugally but are very active, blessed, and have lots of fun and plenty of orgasmic equality loving sex, so we are set for life. Having such a young beauty going into the field of medicine, the temptations for wise money/budgeting/expensies for what you get can be devastating. For us, we also do all that on ZERO government help which is so uncommon today and as we know from PH to the US, that's all coming to an end. You can't collect/take/steal $4 trillion+/- in ttl yearly US taxes, spend $4 trillion a year in health care alone and figure our generations and those to follow can ever remotely pay it back. Its all funny money. So...maybe I am way wrong, which certainly happens but you are definitely not living the life you deserve from health to spirit to material and sooner or later, that gets noticed. Been there, done that in my first marriage years ago. So, get those toilets fixed, take care of your health which cuts down on tons of expenses (I'll help privately for free) and get 30-50% more out of this short life for the same money that may or may not be there next year. If you are under the impression government pensions or SS/SSD are here to stay...I'll just say, after working for 30+ years, paying hundreds of thousands in taxes, employing 500+ people owning Dairy Queen years ago, retiring having gone on disability for congenital heart disease (I am the last alive of 9 dead in my family in my lifetime alone from the disease), when I would not take the failed drugs for heart disease...that killed other family prematurely, they took my SSD away. I held my ground, improved my heath massively, helped save thousands worldwide (natural health charity US and PH) free of charge and learned to budget like never before. In that living more blessed and better than ever with total sustainability not having to worry a breath about what happens to the government funny money. You can to! All the Best! Todd
Hi Tim, Hope all is well with you and the fam. This is Jeremy from Ormoc. We are still in the states but wanting to be back in PH. Each family is obviously going to have different budgets. Back in late 2020 before coming back with the kids to the states, our monthly expenses were roughly 1500-2000 USD a month for a family of 4. Some key points and differences to those who might be interested in differing costs. House Rent: for us was 300 USD/ Month - key point not on the ocean Vehicle: We elected to buy a clown van from Japan - no payment Water: THIS ONE IS HUGE - THEY ARE RIPPING YOU OFF TIM - our water bill usually ran around 150 pesos per month. You either have a major leak or the whole barangay is tapped into your line. Electric: Ran us between 100 - 150 USD per month. That was with a 2.5 HP Split Aircon running the majority of the time. Kids School: We have 2 boys that were in private school - Roughly 300 USD / Month for tuition, supplies etc. Food: Food was by far our largest expense running around 500-600 USD Per month. If a person or family is willing to eat a more "local province" style diet, this can be reduced by quite a bit. Those are kind of the major ones. I am sure it would be costing us more today than back at the end of 2020 as lockdowns prevented us from doing more things that we would be doing now. The exchange rate back then was if I remember correctly around 47-48p to 1 USD.
WOW, 273 m3 of water 💦 monthly! That's really mind-blowing Tim. You don't have sinkholes around the house? Is water being tapped by neighbors and you pay for the neighbors? Something is not ok. Perhaps the water meter is having issues, replacement of such item might tell how much you actually consume. Nobody without a pool is able to have such high usage of water.
Nice breakdown. You spend a lot for living in PH for sure. Even by American standards that is a lot to spend every month. Thanks for giving us insight on your expenses. Take care of yourself brother.
Hi Tim...The only thing I see on your budget that's over the top, is your water bill..Here we have a pool, 5 cars ( we wash at home) washer and dryer, ( of course, the washer uses the water🤣 ) water flowers and vegetable garden during the spring, summer and fall..At least 4 showers a day taken, not to mention cooking..We pay about 33.00 a month for water..If I were you, I'd get the water meter checked..I love your videos! Always look foward to them..☺️
Libby, wow your water bills seems extremely low. Maybe you are in a rural area? I’m in big city Houston and our water rate have more than doubled the past 3 years and are extremely high now.
Wow,love the Philippines,but with an expenses budget like that, Thailand here i come lol,only joking Tim,but have to admit,one family of three in the UK could easily live on that budget even with the prices for everything going through the roof.
When I’m in PH my budget is $2250 a month for a couple and we live pretty well. In the US 45 minutes outside of NYC it was $4750. Your budget seems quite high but if you strip out the car it’s not that crazy. Everyone’s budget is different. As long as you are happy then god bless.
Hey Tim love your videos, and thank you for your service I've been watching you now for a year or so, I had a question for you what go pro camera are you using, also what video editing software do you use?. I'm going to get a GoPro for Christmas and was just wondering thanks man, and I hope you have a safe Christmas, and Happy New Years.
Let me make sure i understand this...if the price of the a car (new) is 2,000,000 peso and you finance for say 5 years your payment would be 33,333.33 peso per month. Am i correct on this? So no interest or is this already figured in on the price of the car?
Aircon bill is expensive in the Philippines, ,use fan ,less bill...u are adventuring being a vlogger that's why your budget goes up , u have dogs too which u feed them with dog food, if they are local dogs then u can give them whatever extra u have ....a budget of 50 thousand pesos in the province is too much already if u are living simple life, because most professionals in the province they only have a budget of their expense monthly around 15k if for instance their monthly pay is 25 k pesos a month and still they can save 5 k pesos in their bank per month, and their kids still can go to university.....staying in the province it's not that expensive, it depends on hiw u handle your budget, I understand u are a foreigner, u are not use to eat filipino food, lifestyle in the province is so much simple compared in U.S. I'm a subscriber, love watching your vlogs so with Chrissy . I'm a province girl also from Luzon.
Most families live on 15K pesso per month in the province, if they are lucky. If you tell them that you gonna give them 200K to spent they won't know what to do with that amount. To most of them, it's a lifetime savings of what you spent in a month.
Depends on the financial background of the Filipina. If you marry a poor Filipina yes. Not all Filipinas are poor...there are a lot of middle class income Filipinas.
@@wildorchids3657 Yup. My wife is a professional and the oldest of 3 kids. Her father is a professional and brother is an OFW. She gives 7k pesos (from her own paycheck) per month to her family. Otherwise, she helps with family emergencies (her sister was hospitalized recently and grandmother recently died). I've never given them money and they've never asked for anything from me. In conclusion, I agree. Date a middle class Filipina. Poor Filipinas are a money drain. Rich Filipinas (meaning they have a western lifestyle from birth) usually aren't great either. In my experience, they aren't much different from western women in terms of their values.
Not my experience with my Filipina wife. Her family is more then able to care for themselves. It's about the location just like in any county same as the US in my experience.
Hi tim hope your good, just wanted to know how your visa works out there in the Philippines? Is it like in Thailand where you have to renew it every 3 months? Or do you not have to do that now that you are married to a Philippino citizen? 👍
Tim, USPS now has what they call informed delivery. It scans all your mail for free on a daily basis and has it on their website. Just make an account with your address you get your mail and you can view it there.
Yes you can view the envelope but do they open and scan it? I like the new USPS service myself as well. Have you noticed that the scan will on many occasions pick up the writing through the envelope? 🤣
Wow😲 this is a huge expense for a month. Do you still work or have other business other than UA-cam, in the US? I didn't imagine it would cost that much. Soon your big boy will go to school, additional expense. Kuddos to you for being a responsible head of the family. All the best!
Yep, I knew it was going to be more than what all the other expats vlog. But I am not sure what my taxes and homeowners insurance will be on the house we plan to build. So I won't have rent but I will have property taxes and insurance on the house. I am estimating I will have a net of $2,798.51 per month until Social Security kicks in. Then I will be comfy with that additional $1,855.00 in social security...... Thanks for breaking down your expenses.
The car is actually likely to hold a lot of value, so it’s not a frivolous choice. I would get one too, how are you enjoying it? It would probably be 60% more for the same quality of life in the US. It’s a very useful video for people like me that want to move there. Obviously we can see where we would spend more or less but it gives us a template to use to estimate. Thanks Tim!
Cebu City, CDO, Iloilo if you want clean and modern. Bohol is very nice. I plan to start in Cebu City and decide from there. CDO might be my final destination... Or Iloilo.
If not for car payment your budget seems quite reasonable for a western lifestyle In the Philippines on the beach personally. Are the used cars in the Philippines really in that bad shape?
My filipina and I can do 110 php per meal. Sometimes I can do 300php in a meal but never 1000 a day my budget will be no more than 80,000 pesos a month. I also will eat more Filipino foods it's good food. Go to local fresh markets are cheaper
Hi Tim! Thanks for sharing. The Philippine exchange rate can really help. Hopefully if goes to like 60 PHP per dollar you can move some USD to PHP at a bank over there. Yes, the only thing that seemed crazy is that water bill. Is there a way you could put a electric water meter in so you know how much you really use. I will convert that later to see how many gallons a day you use. $400 a month for entertainment is a little high but work hard play hard right? Have you talked to Herald in the last year? Keep on keeping on!
Phil government will pay your tuition if you are at the poverty level. I'm not sure if she qualifies since being married to Tim who has a high income level.
@@TimKyoutube Great just wondered since the earnings detail was quite comprehensive. I know a friend who has been paying a large monthly amount for school/boarding expenses and just wondered how it stacked up.
Is it safe to live there? Your $ goes further there than it would in the states. I had a friend that would live there for 3 months with a friend so he only had to pay for food and visa fee. He loved it ate fresh fish every day. Just about. I am in a wheelchair I thought about moving there. I’m half Filipino. I’m sure I have lots of relatives there lol. Just wanted to know if it’s pretty safe there to live. Let me know when you get a chance. Thanks 😊😊😊
Wow, you pay more for utilities by a long shot than I pay for my 2,800sqft home in Commiefornia... and about the same on food per person. However, we don't eat out much and I buy groceries almost exclusively at the commissary.
My American budget Rent: $765 (This is for 1 bedroom 1 bathroom in a 2/2 unit where I have a roommate, we have W/D in unit) Electric: $55 (this will go up soon now that it is colder. About $125ish) Utilities: $28 (sewer and water combined) Gas: $10 (This is just for heating the water) WiWi: Its Free 1G provided by the Apartment Complex, if it was not free it would cost about $125 a month Food: $750 (Single guy, eating out sometimes paying for friends too, I also spend extra for good meat and Ka'chava) Truck: $0 it is Paid off Truck Insurance: $130 Truck Gas: $250 Renters Insurance: $125 Cell Phone: $150 (this is with unlimited data and free HBOPlus) Credit Card Bill: $150 (its mostly paying off someone else dept....) Entertainment: $200 Disposable Income: $300 (I usually use this money to give to my adult children for something or another) Total-ish: $2700 Very comparable. However, in the Philippines my $765 rent will get me something much nicer than it does in America (my place is very nice, no complaints) and I will not have a roommate.
Respectfully, I'm quite surprised at your budget for living in the Philippines. You have a water leak or someone is siphoning off of your system after your meter somehow. Shut off all the water in the house and see if the water meter runs...and when if possible. In Thailand, my water bill is about $8US per month and my wife uses LOTS of water. Our monthly budget for all domestic costs, including regular domestic travel is about $1,300 per month, but we own our small piece of land with a small house we built almost 18 years ago. We run our bedroom aircon every night, almost all night and our living room aircon sometimes but our monthly electric is still only $60 US maximum. We drive motorcycles mostly but have a great running, but not pretty, 2004 Toyota Diesel Pick up that I have about $3,000 US in. We take that truck to the ends of the country and back with no worries. Internet $20/mth and we each have unlimited 30mps internet 4G with free in-network calls phone sims for $50US per YEAR each. There's ways to save a lot without much sacrifice but everyone has different needs, priorities and ideas about their standard of living. For me, $4,000US to live in a remote province of the Philippines is astonishing....even if it's comfortably affordable for your family. Glad everyone is well and enjoying life together...Dale looks great!
Your budget is similar to mine here in the USA. I have a 3 bedroom home, new Ford Maverick AWD truck, a filipina wife and child. Your water bill is expensive
I would check the water usage. Sounds like a pipe leak somewhere coming to the house. The rent seems about right. I’m talking to people now for when I get back in March and 25K seems to be most going rates.
Where do you need to transfer money between? I have found out that you can basically transfer money from myself to another person using XLM crypto for free and then the other person can exchange it on their end for something like Bitcoin. Im not using Eth anymore. Apparently they can shut off your address now if they dont like your politics just like they did to Canadian truckers. Had mine shut off for a week. Couldnt buy or sell anything on Etherium network and was stuck with Shib that I wanted to sell for a profit. Basically Eth is a WEF coin now controlled by the WEF and US state department.
You could probably have your costs down to about 2.5k a month if you made some small changes and went for a cheaper car ..700 a month is too much imo to pay for a car, each to their own!
Wow, your electric is very expensive in Southern Leyte. On our tiny island we used 1415KWH's and our bill was ₱12350.64 plus the new Free Amazon shipping to the Philippines on a limited amount of items is amazing. I have used the service 5 times so far with a 100% success. My budget is half of yours but I own my own home and I do not own a automobile, only motor bikes.
crazy part is only 10% of the budget is rent, crazier part is its still a fairly modest lifestyle for a 4k a month budget. my thoughts are the budget has a lot of bloat and a similar lifestyle for a 3 person family can be done for around $2600. (nix the car payments, dogs, and take a third off the food, entertainment and clothes budget and you're almost there already).
Im English living in Manilla ,,my Total Monthly Budget is £300 USD 360 Dollars Rent ,1 bed Condo , 4,500 pesos ,, Electric , water ,etc Wi fi , Router Totals 7,50 pesos ,English money £112 ,,, English pounds .. USD 135 ,dollars Roughly .. ,then food, travel £150 English pounds ,,,180 USD ,, that is living Comfortably ,, Tim in fairness you have to give people the option ,, the low end which is mine Brother ,, then yours ,, 4,000 USD is high man ..
Hi I do receive my monthly medication from US every month; I stay in the province with my wife; what do you think is the best way to receive my medicine in the province from US?
Very good informative. The impression we have here is that the cost of living is so cheap there , but obviously not everything. You don’t have to worry about heat , Lol , the water and electric seem a bit higher , rent and food definitely cheaper . No wonder you hear about people going broke .
I spent a good amount of time there this last year I didn't come close to spending that on a monthly basis and I took care of my family there and at home in tge US
Tim be nice if you could make a video on local cost of living .. who live in a bahay kubo earn 400 pesos araw araw ,, All it is Brother it gives people who are retiring here in the Philippines options of say 500 USD Low end, but Comfortable ,, to as high as they want to go ,,,
I usually don't give advice but I will tell you you should have a plumber come into your house and check it out for toilets or cracked line underneath the ground or something that you're unaware of because that is ridiculous amount of water you're using. I also would not have that high car payment, but we each have our preferences but thank you for the outline I know now that I could live there much cheaper
It's about lifestyle. We are 2 adults with 12k monthly rent for 2BR house (not at the beach), 2k monthly electricity (no aircon), 200 Pesos water bill. Food is about 16k monthly for 2 adults.
Your water bill is totally over the top, unless you operate a water park. 😂
Electricity is expensive. So, when you let the aircon run, then you get the skyrocketing costs. But especially directly on the beach actually one don't need much aircon.
The average Filipino monthly income is just $500.00, so you must be doing something right. $4,000 a month is about twice what most medical doctors make in the Philippines.
Fyi to anyone not familiar to the Philippines, 4000$ USD is considered the top 1 percent in the Philippines.
It is more of 1% of the 1%. He started with a humble life in the Province to a very luxurious life. My parents retired and stayed in Negros Oriental with only $900 a month.
I've seen Mexico is way cheaper then.
I think the average person with a spouse can live in the Philippines in todays inflation for about $1,300 u.s dollars with a $200 to $300 rental. If you own your house then I would say about $1,000 to $1,100 a month.
I think some neighbors connecting to Tim electricity and water. It's so Big. They considered super rich in the Philippines hahaha
You mean for Leyte?, Will the same go as far in Manila?
@@shadowban481 No, all of the Philippines.
Hi Tim, you need to check that water meter mate or get it replaced, there is no way you should be using that much, unless someone has tapped into your supply. Do a test and turn off everything in the house and then check the meter again to see if it is still spinning. If nothing found do a draw test and pull off a gallon or so and compare that to what the meter has calculated, you could have a faulty meter and not know it...or its been over clocked.
Thank you for sharing your monthly budget with us. It’s a no holds barred honest review that covers items we foreigners have not ever considered. It’s your budget Bro, so whatever you’re satisfied with is what it is. Our comments are mute, especially if we’re not living there and supporting a family. Stay safe and healthy.
I'm U.S. Army retired, and living in Mindanao for over a year now. I did not know PostScanMail was a thing. Thanks for that information and love your vlogs!
Some here like Ted LaSalvia and others are proud to mock us who made it on less than 1000 usd per month.Well, here I am!
I lived on 720 usd since 2015, so I know how to live a simple life. Live according to what you have. In the Philippines I have a family with a boy soon to be 5, a house, 2 motorbikes, 1 boat, 1 beach property. I have 2 refs, 1 freezer, 1 aircon, 1 big comfortable bed, a large 52 inches Smart TV, hot water shower, a small pool etc. But it all came slowly, very slowly, step by step. You just go there and make the best of what you have.
That’s good. Living simple and within your means is what you need. I make about 150k per year… I way over budget and spent more than what I earn… so I end up saving none. Only good thing I invested in few properties so Atleast I have a little something. Also I always put away 10% of my earnings every two weeks via 401k so I don’t spend it lol
Thanks, A great lesson to share, Most of us know it but rarely practice it.
That's great and really cheap, as a fellow Norwegian I guess you are from your name I've been living in Philippines since 1998. As I'm living in a city my expenses are very different, we own a house with pool far from any mansion but about 240 m2 and a 600m2 lot. Have some family housemaids, a kid in school some dogs and pretty normal and a small car. Our budget is more than 3000 dollar a month included most, then holiday trips and other come on top so about 3500-4000 usd a month I guess.
These videos are very helpful for those considering becoming an Expat in the Philippines.
No Ken, this is not. These figures are way above what would be considered a normal way of living in The Philippines. Like Killymagee said earlier, with 4 grant you are among the 1% that have like this kind of income, so it's a poor representation.
@@Snowwie88 Thanks for your input on this.
@@KenWiggerAnotherAncientGamer Does not take away the fact we still like Tim but I hope sincerely he keeps reality in check for people who want to live there in The Philippines, as expats. 🙂
Not sure if you'll see this, however I will say it's your family it's what you've establish for your needs and wants, who are we to argue your lifestyle when we're able to see that your family is taken care, you basically are able to enjoy things whenever you like! So that's fantastic!!!
Best regards Tim
Brian M.
Great comment
Your Aircon is running24/7. How you can spend so much? My house at the lake 7k, 500php water, 5k electricity for 2 aircondition, 2k for 300mbps internet and cable TV. Food 25k for 5 people including buying food outside and once a week restaurant. Gasoline 2k per month. 400php Philhealth for my wife and kids and my health insurance for Expats 114usd. Total is around 50k (900+ USD) Update...private school for 2 kids 4k per month. 1000 USD all
Thanks for sharing your budget, it helps to see other expats expenses. Obviously Tim's budget is loaded with several things most people will not incur. Car payment, I would never finance a car, House keeper, not necessary for most, Water crazy high, Food seems high, Entertainment is certainly high, (400.USD) That's 3 trips a week to the Girlie Club budget,🤣), Pet food is high but I wouldn't personally skimp on that either. Also car insurance is high probably because of the loan. He doesn't mention health care? Car mainteance, home improvements, even though its a rental there will still be some. Cash given to relatives? I think Chrissys budget us twice what it should be, it would be nice to see actual expenses from that chunk. Tims US side is probably another 2k, probably more considering his ex Wife and first child live in Expensive CA. It will only get worse as the kids get older, etc. I actually think he's spending considerable more than 4k a month. The budget presented is like an overview and not a detailed house budget, but it was a good video for what it was. Regardless best of luck to him and to you Sir, and thanks again for your perspective. Cheers!
PS What area of The Phillipines do you live? Thanks
Solid video and much more realistic than the 1k to 2k bloggers looking for subscribers.
I'm single and feel the sweet spot is 5k, that allows for decent lifestyle and no travel limitations.
Nice work!
A good video. We just built a house in Cavite after living here for almost ten years in the Philippines. I support two daughters and my wife who is a Filipina and has not worked since we married back in Canada. Our house is not finished so we have put the past year into our 119 square meters of garden space outside so that my wife can begin growing her vegetables and her orchard. My wife is a farming girl so we purchased 100 young fruit trees for the orchard which she is putting into large, plastic bins. We just built the greenhouse for the hydroponics vegetables that she is putting into smaller bins, out of bamboo, the plastic covering, and green netting for the side-opening, we should have 70 small bins of veggies soon. My wife is just completing an accredited course put out by the Philippines government in hydroponics, her last lesson is next week, online. We have lived quite a frugal life here until we purchased this property a year ago, broke ground, and built a 3-bedroom home, concrete downstairs, bamboo siding and plywood walls upstairs with a large front balcony upstairs and a larger, concrete space upstairs at the back of the house. We spoil our two daughters, they have everything that they want but my wife and I exist very frugally ourselves. We put most of our money into the development and happiness of our two girls. We sold our family van to put doors and windows in the house last year, we are driving an e-bike vehicle now and taking public transportation for longer trips.
Congrats on the new house Patrick! I enjoyed reading your response, It was especially interesting to read how you and your wife are developing the land with fruit trees and vegetables. Can you tell me what type of fruit trees and vegetables you are cultivating? Do you have a well you use for supplying water or do you live near a water source? Best of luck mate!
reduce overall cost with , a garden - chickens - rainwater collection - solar panels - teach surfing - btw what size and shape board do you ride .... i'm a longboard guy and I make my own . 9`6" noserider
My wife, young son and I lived in San Juan, La Union (surf capitol of the north) for three years a few years back. We lived in a very nice furnished 2 bdrm apt with an ocean view. We frequently traveled around the Philippines as well as other SE Asian countries. We didn't have a car, only a 120cc motorcycle - public transportation makes it so easy to get around in the Philippines. We lived very well on an average of $1700 a month. $4000 seems way over the top. But like you say, "It is what it is." Take care and keep on surfing!!!
Our food budget for a family of four is 150 pesos a day (mostly instant noodles with malunggay leaves, canned sardines, dried fish, or eggs), our electric is free coz we have jumper connected to a power supply. Water is free coz we have our own poso(manual water pump), we have a free wifi Connection from our good neighbor. Free housing also because we are the caretaker of an old house whose the owner resides abroad. Our two kids go to public school, so it's free. More or less we spend only around 6,000 pesos or something like a 100 dollars a month, and we live a very simple life.
That’s incredible. I couldn’t do it.
That what's called living like a local
Lol jumper? I bet the neighbours bill must be double :)
Tim is always and honest about living which is a huge help. Based on that I will say that strikes me as very high but it's ONLY me so mine would be less. Life and things in general have what I've always called a PRICE and a COST. You must be willing to deal with both. Tim does a great job doing this.
Tim K thanks for the honesty.
Thanks Bodie. I really appreciate the kind words. 🤙🤙
Unbelievable. I, my wife and 20 yr old daughter have been living in the Philippines since Sept 2010 and no way do we spend $4000 a month. Good grief.
I know, its an absurd amount
Crazy huh i can live off 1000 us dollars a month easy already own a small cottage in the provense
Hrs so silly if he was gone his wife would manage comfortably on 1k
@@larzhillbot1443 Right. Owning your own property and a small one at that really cuts down on expenses hugely. I have a studio condo owned outright in downtown Davao and I only pay property mgmt which equates to around $23/month and with it being small and efficient it is cheap for electricity. I have a motorcycle parking spot out of the sun and elements down in the basement parking and a fully paid off $6,000+ motorbike to get around the country cheaply and efficiently (I travel extensively on it through various adventure riding trips).
With 4k bucks any family can live easily basically anywhere in the world with the exception of very few countries (the US, Norway, Switzerland, and maybe a few more), let alone in the Philippines.
1 small drippy faucet will fill a tub over and over within a month. Fix your leaky toilets and watch your bill drop substantially. I learned that at a homeowners class. Thanks for the insight.
I think for a western man with a family that travels and helps others your budget seems fine. Once car paid off expenses drops alot. Yes you can save money eating rice and sardines but who wants to do that.
Very informative. Every other video on youtube is saying you can live on $1200/mo there or even less in the provinces, it's nice to get an actual realistic budget breakdown. Other than housing, costs are pretty much in line with state side.
sure, if you are a single guy with a scooter who sits in their house and does nothing... you can certainly live off of $1,200 a month. A family, reliable transportation and having a life of doing things requires $$.
We are a family, 2 adults and a kid, we would basically just bike to the beach or take the bus, but rarely go and do something fancy, would like to buy finished food from restaurant and rent a 3 room house with a garden, less than 6 km from beach on the Cebu island. We are very frugal, how much do you think we would spend? Sorry for very specific question, you don’t have to answer if you don’t want to 🌼 kind regards
I live in the U.S., my new house is paid off, I have no debt, and I live in the mountains on 10 acres with a million-dollar view. I snowboard in the winter and fish, hunt, and ride motorcycle in the summer on $1500 a month, and I do not consider myself rich. I guess I won't be moving to the Philippines anytime soon.
Sounds like you have it made. Stay where you're at, unless your lonely or struggling financially
This kind of spending per month in Philippines is nothing short of shocking. Other than living in a beach house, $4000 budget/m can afford you a very good life in US.
dude, you need over $100,000 a year to buy a home at the median price in 2022.
$4000/month for one person living far away from major cities in the US, than yes
Jeah here in switzerland you can also life with 4000,- but not with kids, car, and nice home..alone its ok if you dont life on big feets
Their expenses are higher than most will have, especially regarding vehicle and food costs. That's over have their budget.
@@TimKyoutube home purchasing wasn't part of the equation. I live fine on 2k/mo in the US PNW. I'll live on about that in Thailand in a few months. Bottomline, live within your means at a comfortable budget for you. Cheers
I can't begin to imagine how you are using nearly 300 m^3 of water a month, that's an unbelievable amount. Even 30 m^3 a month would sound very high to me.
He gets scammed (by neighbors or the company). Same with electric
We are 2 adults and have 8 to 10 m3 per month.
@@AndyPhilippines 273 m^3 is enough to fill a large swimming pool.
Sounds like he is buying water for the entire village.
Could be a leaky pipe somewhere
@@Lexy-O According to my calculations it's an average of over 6 litres per minute, that is like a tap on full 24 hours a day 30 days a month.
Does your house help live there 24 hrs/ 7 days a week .. so your budget includes their food costs etc?
That is a lot, but like you said, you take care of a lot of people. My USA budget is $3900, all inclusive. 3 bedroom/2 bath house, dog, horse, but single. However, even $4k in PH is still well within my max budget. Still can't wait to get there in 15 months when I retire at 61.
The median income to own a median priced home in USA is over $100,000. Like you most are already on the property wagon. If we came back, housing alone would kill us. 🤙
@@TimKyoutube I'm renting that 3bdrm/2bath, but sold my house last year for a nice profit. Yes, houses here are still stupid expensive, no way I'd buy one now. It's good to know each end of the budget spectrum. Best to you and yours.
@@TimKyoutube But this is a rental house Tim, you don't need $ 100,000. to rent a normal house, even in the US. You assume that the only way back to the US is by buying a piece of property and then live on it, forgoing the renting option. I live here in The Netherlands, also one of the most expensive countries in the world, still my rent is 460 dollars per month. So, far from impossible. 🙂
👍🏻👍🏻’s up! It must be nice to be RICH!
Thanks Tim . everything makes sense .When you bought the Jeep I thought OUCH ! But now you did good . If any money left get a good tutor for your son . The extra help now will pay in the future !
For us even in Munich "most expensive city in Germany" enough 2500€ included rental fee.
I have 2 houses 1 has a pool in Argao Cebu one is in Naga Cebu. My expenses is less then $2,000 per month yes everything I have is paid my houses and my car. I also paid for my stepsons college until he graduated last year. Your water and electricity is expensive. Thanks for sharing
Is Argao a good area to live in?
First off, thanks Tim for showing a window into your life and making expenses public. Love the channel and the perspective you offer.
Second, Tim does live an ultra luxury Americanized lifestyle in the Philippines. For comparison, I have a relative living in Leyte with a girlfriend and child about Dale's age for $1k/USD month. Of course, not oceanfront lodging or USA sized SUV. Just a modest 2br in the province, simple meals and public transportation. Probably more of a realistic comparison of what one might expect to spend transitioning from American middle class to a province life in the Philippines.
To each their own, many Americans, two earners with a kid live in the USA on less than 4k a month.
I dont think his 450$ house is "ultra luxury", that monthly cost is insane and the quality received low.
My wife and I and our 2 grandsons that we have custody of live on $3000.00 a month. We do not have a mortgage or rent, our house and 2 acres are paid off. It took us 20 years to do that. We have a good well so no water bill. Electric has really hurt us, it went from $140-$150 to over $200.00 a month now due to rising costs from what I call the Biden experience. The place we work is less than 3 miles from our house so that helps with gasoline which is also gone out the roof due to the Biden experience. Food has gone through the roof as well, with smaller packages of food for more than it was before the pandemic. We also make too much money to get any government assistance. Land taxes on our 2 acres went from $200.00 a year to $500.00 a year now due to the Biden experience. Before the pandemic, we were actually doing well, now we have to cook all meals at home. No more eating out. I do hunt and fish when I get the time and wild game has been incorporated into our meals as well. If prices keep going up we are going to have some very tough times ahead of us. I am not sure if the economy can take 2 more years of what Biden has done to us.
I'm living in New Orleans Louisiana for way under $2,000 per month
Oh no... why too much, live simply be aware of everythings on your sorroundings but i think your lifestyle is extravagance🥰👍
Your living Way Over The Top my friend!!
Ha. That’s ridiculous. It’s all a matter of perspective. Plenty of people have much larger budgets than me. The house I used to live in is now $4,000/mo California.
Thank You as always for your informative videos with you and your beautiful family. They are greatly appreciated! Our family of three, my Filipina wife, 9 year old Fil/Am and I plan to fly out of Wisconsin, where we reside, next month to Barbaza, Antique. I have watched many of your very good videos and haven't felt too compelled to comment but this one did. I was struck by a couple things but mainly the comment "I am not willing to go less than $4K a month". Thats awesome you can say that. Many millions of hard-working folks in the US can't even say that. The other thing I was struck by is how great this made me feel with what we have here and how much we spend. Lol Respectfully though, if I may share our basic budget for 3 in Wisconsin USA. We own our 3 bed 1600sq home with a couple years of mortgage left. We do not smoke, drink alcohol, do drugs nor do we eat fast food so that helps massively. We all focus heavily on health as well but those are not really fixed expenses anyway as you show. Also, we do not live on the ocean but we do own two beautiful older cabin cruisers (1 29' I charter out and 1 25' for us only) kept in a dockage/slip from May to November, only 1 mile away on the Bay of Green Bay WI. I will add in the costs of those two boats (seasonal slip fee, insurance). House Mortage $434 (recent appraisal $110K), 3 years left to pay. Home owners insurance for the year which includes comprehensive on both boats $95 a month. Two vehicles, one older and one much newer with payments of $200 a month for 2 years at 1.9% interest. Both excellent shape. Insurance for both, including our mint Yamaha FJ1000 crotch rocket, $75 a month. Our average water is $80 a month and we have a small pool out back, a hot tub and 2 girls that bath far too much. :) Our heat and electric average about $150 a month throughout the year. Property taxes are about $80 a month. Food, and we eat like a King and Queens (I am a Holistic Health Coach for 20 years) about $450 per month. Phone and computer (we have magicjack, a flip phone and 1 smart phone) $89 a month. Life Insurance. I'm 56 (40 year old policy), wife 42, about $90 a month. Entertainment....tons of outdoors stuff that is free of charge by and large but for fuel, $150 though we take one fairly large vacation/trip a year like Florida, Colorado, this January Philippines. Other expenses kinda go down the same path. The total for us is about $2500 a month+/- including fuel for the boats, cycle, etc and we set aside several hundred a month in investments. As they say, especially in marriage, there are two things that destroy relationships and they are money and sex...or the lack of loving intimate orgasmic sex for both. Yes, my wife and I live very frugally but are very active, blessed, and have lots of fun and plenty of orgasmic equality loving sex, so we are set for life. Having such a young beauty going into the field of medicine, the temptations for wise money/budgeting/expensies for what you get can be devastating. For us, we also do all that on ZERO government help which is so uncommon today and as we know from PH to the US, that's all coming to an end. You can't collect/take/steal $4 trillion+/- in ttl yearly US taxes, spend $4 trillion a year in health care alone and figure our generations and those to follow can ever remotely pay it back. Its all funny money. So...maybe I am way wrong, which certainly happens but you are definitely not living the life you deserve from health to spirit to material and sooner or later, that gets noticed. Been there, done that in my first marriage years ago. So, get those toilets fixed, take care of your health which cuts down on tons of expenses (I'll help privately for free) and get 30-50% more out of this short life for the same money that may or may not be there next year. If you are under the impression government pensions or SS/SSD are here to stay...I'll just say, after working for 30+ years, paying hundreds of thousands in taxes, employing 500+ people owning Dairy Queen years ago, retiring having gone on disability for congenital heart disease (I am the last alive of 9 dead in my family in my lifetime alone from the disease), when I would not take the failed drugs for heart disease...that killed other family prematurely, they took my SSD away. I held my ground, improved my heath massively, helped save thousands worldwide (natural health charity US and PH) free of charge and learned to budget like never before. In that living more blessed and better than ever with total sustainability not having to worry a breath about what happens to the government funny money. You can to! All the Best! Todd
Hi Tim,
Hope all is well with you and the fam. This is Jeremy from Ormoc. We are still in the states but wanting to be back in PH.
Each family is obviously going to have different budgets. Back in late 2020 before coming back with the kids to the states, our monthly expenses were roughly 1500-2000 USD a month for a family of 4.
Some key points and differences to those who might be interested in differing costs.
House Rent: for us was 300 USD/ Month - key point not on the ocean
Vehicle: We elected to buy a clown van from Japan - no payment
Water: THIS ONE IS HUGE - THEY ARE RIPPING YOU OFF TIM - our water bill usually ran around 150 pesos per month. You either have a major leak or the whole barangay is tapped into your line.
Electric: Ran us between 100 - 150 USD per month. That was with a 2.5 HP Split Aircon running the majority of the time.
Kids School: We have 2 boys that were in private school - Roughly 300 USD / Month for tuition, supplies etc.
Food: Food was by far our largest expense running around 500-600 USD Per month. If a person or family is willing to eat a more "local province" style diet, this can be reduced by quite a bit.
Those are kind of the major ones. I am sure it would be costing us more today than back at the end of 2020 as lockdowns prevented us from doing more things that we would be doing now.
The exchange rate back then was if I remember correctly around 47-48p to 1 USD.
absolutly, the water is very cheap in ph... i never heard that high waterbill!
WOW, 273 m3 of water 💦 monthly! That's really mind-blowing Tim. You don't have sinkholes around the house? Is water being tapped by neighbors and you pay for the neighbors? Something is not ok. Perhaps the water meter is having issues, replacement of such item might tell how much you actually consume. Nobody without a pool is able to have such high usage of water.
Nice breakdown. You spend a lot for living in PH for sure. Even by American standards that is a lot to spend every month. Thanks for giving us insight on your expenses. Take care of yourself brother.
Hi Tim...The only thing I see on your budget that's over the top, is your water bill..Here we have a pool, 5 cars ( we wash at home) washer and dryer, ( of course, the washer uses the water🤣 ) water flowers and vegetable garden during the spring, summer and fall..At least 4 showers a day taken, not to mention cooking..We pay about 33.00 a month for water..If I were you, I'd get the water meter checked..I love your videos! Always look foward to them..☺️
Thanks Libby! You are the only one who thinks my budget isn’t super high 😀
Libby, wow your water bills seems extremely low. Maybe you are in a rural area? I’m in big city Houston and our water rate have more than doubled the past 3 years and are extremely high now.
That's a cheap water bill. In Florida family of 4 and watering lawn it's about $70 summer and $130 winter.
Thank you for sharing this. I've been wondering what my monthly budget would look like if I were to move there.
Whoa thank you for doing this one, Tim - very eye-opening and informational.
Wow,love the Philippines,but with an expenses budget like that, Thailand here i come lol,only joking Tim,but have to admit,one family of three in the UK could easily live on that budget even with the prices for everything going through the roof.
When I’m in PH my budget is $2250 a month for a couple and we live pretty well. In the US 45 minutes outside of NYC it was $4750. Your budget seems quite high but if you strip out the car it’s not that crazy. Everyone’s budget is different. As long as you are happy then god bless.
The house is certainly the bang for the bucks. Sure, it’s far away from big cities, but it also right by the ocean. 🌊
It only sucks when there is a typhoon sweeping up those oceans turning your house in an indoor swimming pool. :/
Hey Tim love your videos, and thank you for your service I've been watching you now for a year or so, I had a question for you what go pro camera are you using, also what video editing software do you use?. I'm going to get a GoPro for Christmas and was just wondering thanks man, and I hope you have a safe Christmas, and Happy New Years.
Let me make sure i understand this...if the price of the a car (new) is 2,000,000 peso and you finance for say 5 years your payment would be 33,333.33 peso per month. Am i correct on this? So no interest or is this already figured in on the price of the car?
So the next video is gonna be about the water bill after reading all the comments. 😁💦💧
Are solar panels not a viable option in a country where the sun can shine pretty long and bright? To bring down the electricity costs?
Aircon bill is expensive in the Philippines, ,use fan ,less bill...u are adventuring being a vlogger that's why your budget goes up , u have dogs too which u feed them with dog food, if they are local dogs then u can give them whatever extra u have ....a budget of 50 thousand pesos in the province is too much already if u are living simple life, because most professionals in the province they only have a budget of their expense monthly around 15k if for instance their monthly pay is 25 k pesos a month and still they can save 5 k pesos in their bank per month, and their kids still can go to university.....staying in the province it's not that expensive, it depends on hiw u handle your budget, I understand u are a foreigner, u are not use to eat filipino food, lifestyle in the province is so much simple compared in U.S. I'm a subscriber, love watching your vlogs so with Chrissy . I'm a province girl also from Luzon.
Most families live on 15K pesso per month in the province, if they are lucky. If you tell them that you gonna give them 200K to spent they won't know what to do with that amount. To most of them, it's a lifetime savings of what you spent in a month.
When an expat takes care of one Filipina, he takes care of her entire family, which is like financing a village.
Sad but true. My wife is filipina and every month we need to help the family
Depends on the financial background of the Filipina. If you marry a poor Filipina yes. Not all Filipinas are poor...there are a lot of middle class income Filipinas.
@@wildorchids3657 Yup. My wife is a professional and the oldest of 3 kids. Her father is a professional and brother is an OFW. She gives 7k pesos (from her own paycheck) per month to her family. Otherwise, she helps with family emergencies (her sister was hospitalized recently and grandmother recently died). I've never given them money and they've never asked for anything from me.
In conclusion, I agree. Date a middle class Filipina. Poor Filipinas are a money drain. Rich Filipinas (meaning they have a western lifestyle from birth) usually aren't great either. In my experience, they aren't much different from western women in terms of their values.
@@nanioviedoperez it's not just a Philippine thing though. My wife of 30+ years is from Panama and we help the family quite a bit.
Not my experience with my Filipina wife. Her family is more then able to care for themselves. It's about the location just like in any county same as the US in my experience.
Hi tim hope your good, just wanted to know how your visa works out there in the Philippines? Is it like in Thailand where you have to renew it every 3 months? Or do you not have to do that now that you are married to a Philippino citizen? 👍
Really Hard keep working at it🥰
Tim,
USPS now has what they call informed delivery. It scans all your mail for free on a daily basis and has it on their website. Just make an account with your address you get your mail and you can view it there.
Yes you can view the envelope but do they open and scan it? I like the new USPS service myself as well. Have you noticed that the scan will on many occasions pick up the writing through the envelope? 🤣
Wow😲 this is a huge expense for a month. Do you still work or have other business other than UA-cam, in the US? I didn't imagine it would cost that much.
Soon your big boy will go to school, additional expense.
Kuddos to you for being a responsible head of the family. All the best!
Yep, I knew it was going to be more than what all the other expats vlog. But I am not sure what my taxes and homeowners insurance will be on the house we plan to build. So I won't have rent but I will have property taxes and insurance on the house. I am estimating I will have a net of $2,798.51 per month until Social Security kicks in. Then I will be comfy with that additional $1,855.00 in social security...... Thanks for breaking down your expenses.
$ 4,000.00 USD for you three ! ?
Wow congratulations i think you are spoiling the wife and child
The car is actually likely to hold a lot of value, so it’s not a frivolous choice. I would get one too, how are you enjoying it? It would probably be 60% more for the same quality of life in the US. It’s a very useful video for people like me that want to move there. Obviously we can see where we would spend more or less but it gives us a template to use to estimate. Thanks Tim!
Thanks Lexy. The car is mostly a business expense with the depreciation. In a previous video this week I discussed the car choice in more detail.
@@TimKyoutube ... business expense? are you talking about filing taxes as a business expense? Otherwise what business?
And ... then add the cost for all the expensive traveling, airplanes, ferries, hotels and fancy dinners!🤑It´s expensive to stay on top! 😉
Hey Tim, was planning on moving to the Philippines, I was wondering what areas would be nice to check out before settling?
Cebu City, CDO, Iloilo if you want clean and modern. Bohol is very nice. I plan to start in Cebu City and decide from there. CDO might be my final destination... Or Iloilo.
If not for car payment your budget seems quite reasonable for a western lifestyle In the Philippines on the beach personally. Are the used cars in the Philippines really in that bad shape?
Thanks for the post! I’m budgeting a family of 4 with 2 kids in private school. This is a huge help.
My filipina and I can do 110 php per meal. Sometimes I can do 300php in a meal but never 1000 a day my budget will be no more than 80,000 pesos a month. I also will eat more Filipino foods it's good food. Go to local fresh markets are cheaper
Hi Tim! Thanks for sharing. The Philippine exchange rate can really help. Hopefully if goes to like 60 PHP per dollar you can move some USD to PHP at a bank over there. Yes, the only thing that seemed crazy is that water bill. Is there a way you could put a electric water meter in so you know how much you really use. I will convert that later to see how many gallons a day you use. $400 a month for entertainment is a little high but work hard play hard right? Have you talked to Herald in the last year? Keep on keeping on!
How does Krissy pay for going to school and the expenses from that? Don't remember seeing that in the budget.
She works it out in trade! 🤣🤣🤣
It’s not that much and Chrissy’s earnings cover it. I wanted to keep things simple, but you are right.
Phil government will pay your tuition if you are at the poverty level. I'm not sure if she qualifies since being married to Tim who has a high income level.
@@TimKyoutube Great just wondered since the earnings detail was quite comprehensive. I know a friend who has been paying a large monthly amount for school/boarding expenses and just wondered how it stacked up.
Watch your watermeter for an hour when your are not using any. If it moves you have a leak :-)
Thanks that was great upload! What about your taxes, do you hire someone from the states? Just thinking the write offs etc… when living in the states
I pay taxes like anyone. USA taxes worldwide income as a small business owner.
@@TimKyoutube understand, thanks Tim
Is it safe to live there? Your $ goes further there than it would in the states. I had a friend that would live there for 3 months with a friend so he only had to pay for food and visa fee. He loved it ate fresh fish every day. Just about. I am in a wheelchair I thought about moving there. I’m half Filipino. I’m sure I have lots of relatives there lol. Just wanted to know if it’s pretty safe there to live. Let me know when you get a chance. Thanks 😊😊😊
Wow, you pay more for utilities by a long shot than I pay for my 2,800sqft home in Commiefornia... and about the same on food per person. However, we don't eat out much and I buy groceries almost exclusively at the commissary.
I’m way too poor to listen to prices like this
my water bill in manila is 200 peso...... Are they pulling your leg....273 cubic meters is ridiculous do you shower 24 times a day?
lovely background
My American budget
Rent: $765 (This is for 1 bedroom 1 bathroom in a 2/2 unit where I have a roommate, we have W/D in unit)
Electric: $55 (this will go up soon now that it is colder. About $125ish)
Utilities: $28 (sewer and water combined)
Gas: $10 (This is just for heating the water)
WiWi: Its Free 1G provided by the Apartment Complex, if it was not free it would cost about $125 a month
Food: $750 (Single guy, eating out sometimes paying for friends too, I also spend extra for good meat and Ka'chava)
Truck: $0 it is Paid off
Truck Insurance: $130
Truck Gas: $250
Renters Insurance: $125
Cell Phone: $150 (this is with unlimited data and free HBOPlus)
Credit Card Bill: $150 (its mostly paying off someone else dept....)
Entertainment: $200
Disposable Income: $300 (I usually use this money to give to my adult children for something or another)
Total-ish: $2700
Very comparable. However, in the Philippines my $765 rent will get me something much nicer than it does in America (my place is very nice, no complaints) and I will not have a roommate.
Wow, that car payment is nuts.
Respectfully, I'm quite surprised at your budget for living in the Philippines. You have a water leak or someone is siphoning off of your system after your meter somehow. Shut off all the water in the house and see if the water meter runs...and when if possible. In Thailand, my water bill is about $8US per month and my wife uses LOTS of water. Our monthly budget for all domestic costs, including regular domestic travel is about $1,300 per month, but we own our small piece of land with a small house we built almost 18 years ago. We run our bedroom aircon every night, almost all night and our living room aircon sometimes but our monthly electric is still only $60 US maximum. We drive motorcycles mostly but have a great running, but not pretty, 2004 Toyota Diesel Pick up that I have about $3,000 US in. We take that truck to the ends of the country and back with no worries. Internet $20/mth and we each have unlimited 30mps internet 4G with free in-network calls phone sims for $50US per YEAR each. There's ways to save a lot without much sacrifice but everyone has different needs, priorities and ideas about their standard of living. For me, $4,000US to live in a remote province of the Philippines is astonishing....even if it's comfortably affordable for your family. Glad everyone is well and enjoying life together...Dale looks great!
My landlord had 5 units rented out & her large house and paid 700php total for water/month in dumaguete
Your budget is similar to mine here in the USA. I have a 3 bedroom home, new Ford Maverick AWD truck, a filipina wife and child. Your water bill is expensive
I would check the water usage. Sounds like a pipe leak somewhere coming to the house.
The rent seems about right. I’m talking to people now for when I get back in March and 25K seems to be most going rates.
Where do you need to transfer money between? I have found out that you can basically transfer money from myself to another person using XLM crypto for free and then the other person can exchange it on their end for something like Bitcoin. Im not using Eth anymore. Apparently they can shut off your address now if they dont like your politics just like they did to Canadian truckers. Had mine shut off for a week. Couldnt buy or sell anything on Etherium network and was stuck with Shib that I wanted to sell for a profit. Basically Eth is a WEF coin now controlled by the WEF and US state department.
I paid only liability insurance for 2 years on my Kia Picanto, and it was paid off in 18 months!
$4k? You can live comfortably on way less even with a family
$4k is for a life of luxury in the PH, especially in the provinces
And you wonder why 6 months from the date of this video he had to return to the USA because he's broke
Renting is nice… but have you think about buying?
Thanks for the info.
You could probably have your costs down to about 2.5k a month if you made some small changes and went for a cheaper car ..700 a month is too much imo to pay for a car, each to their own!
Hello you are one of the highest budgets I've seen. Without the vehicle you 1kus less but still high
Wow, your electric is very expensive in Southern Leyte. On our tiny island we used 1415KWH's and our bill was ₱12350.64 plus the new Free Amazon shipping to the Philippines on a limited amount of items is amazing. I have used the service 5 times so far with a 100% success. My budget is half of yours but I own my own home and I do not own a automobile, only motor bikes.
crazy part is only 10% of the budget is rent, crazier part is its still a fairly modest lifestyle for a 4k a month budget. my thoughts are the budget has a lot of bloat and a similar lifestyle for a 3 person family can be done for around $2600. (nix the car payments, dogs, and take a third off the food, entertainment and clothes budget and you're almost there already).
Im English living in Manilla ,,my Total Monthly Budget is £300 USD 360 Dollars Rent ,1 bed Condo , 4,500 pesos ,, Electric , water ,etc Wi fi , Router Totals 7,50 pesos
,English money £112 ,,, English pounds ..
USD 135 ,dollars Roughly ..
,then food, travel £150 English pounds ,,,180 USD ,, that is living Comfortably ,, Tim in fairness you have to give people the option ,, the low end which is mine Brother ,, then yours ,,
4,000 USD is high man ..
Hi I do receive my monthly medication from US every month; I stay in the province with my wife; what do you think is the best way to receive my medicine in the province from US?
Thanks for sharing, would be interesting to see how it looks in a year, hopefully you'll do a year update. Happy Holidays.
Very good informative. The impression we have here is that the cost of living is so cheap there , but obviously not everything. You don’t have to worry about heat , Lol , the water and electric seem a bit higher , rent and food definitely cheaper . No wonder you hear about people going broke .
Why do you need a car like that? If you can't buy it... buy a cheaper car
Woah, thats a lot of water usage😳
No link in description for your affiliate link, FYI
I spent a good amount of time there this last year I didn't come close to spending that on a monthly basis and I took care of my family there and at home in tge US
Tim be nice if you could make a video on local cost of living .. who live in a bahay kubo earn 400 pesos araw araw ,, All it is Brother it gives people who are retiring here in the Philippines options of say 500 USD Low end, but Comfortable ,, to as high as they want to go ,,,
Just checking, nearly $200usd a week?
45k php is 800.00 if dividing by 52...no whete near the claimed amount
I usually don't give advice but I will tell you you should have a plumber come into your house and check it out for toilets or cracked line underneath the ground or something that you're unaware of because that is ridiculous amount of water you're using. I also would not have that high car payment, but we each have our preferences but thank you for the outline I know now that I could live there much cheaper
US average water usage is PER PERSON 11 cubic meters of water a month